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Welcome to My Website!
I am committed to providing my clients with the highest quality home loans combined with some of the lowest mortgage rates available in all of California, with the support of my experienced team of professionals at Avalon Mortgage. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, I can help make your dreams come true.

In my many years in the mortgage business, I have always treated my clients the way I would want my own family to be treated, with honesty and integrity. My first career, that brought me to beautiful California, was as an engineer. I have taken those engineering skills and re-directed them to be the detail oriented mortgage professional my clients have come to rely on. And, I am happy to say many of my past clients have become clients for life.

I specialize in areas such as Poway, Rancho Bernardo, 4-S Ranch, Carmel Valley, Scripps Ranch, Escondido, University City, 4-S Ranch, and many more areas of San Diego, and have worked with clients all across the entire state of California, as well, over the years.

I look forward to working with you for all your home financing needs!

Honesty, Integrity, Experience

Find the solution that fits your needs.

Purchasing a Home?

Turn the home of your dreams into reality. Whether you are buying your first home, second home, or vacation property, use this FREE self-help tool to determine exactly what type of purchase loan is best for you.


Need to Refinance?

Save money by taking advantage of the lowest rates available. Whether you are looking to lower your rate, lower your monthly payment, or tap into your home's equity, use this FREE self-help tool to determine exactly what type of refinance solution is best for you.


Consolidating Debt?

Use your home to help eliminate bad debt and bundle your bills into one easy monthly payment. Whether you need to pay off high-interest credit cards or you just need cash now, use this FREE self-help tool to determine exactly what type of debt consolidation program is best for you.